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Common questions.

A home equity loan has a fixed-rate. A line of credit has a variable interest rate that adjusts with the Prime Rate.

How do payments differ between a home equity and a line of credit?

With a home equity loan, you make fixed payments of principal and interest. With a home equity line of credit, you are only required to make interest payments during the draw period.

How will I access my new credit?

After closing on a home equity loan, you get the entire loan amount in one lump sum. A line of credit is available for a long-term draw period, which you can access with home equity line of credit checks or through online banking.

Let your home work for you.

*Consumer loans are available to qualified applicants who meet our current loan underwriting guidelines.